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Dossier

Threat Vector Dossier: Inside the Dark Web’s Banking Fraud Economy

ACTIR unit research exposes how cybercriminals bypass MFA, defeat KYC checks with AI deepfakes and purchase ready-made attack toolkits for as little as $19.99.

Key Findings

  • Under $100 The going rate for a phishing page kit targeting major U.S. banks on underground marketplaces
  • $300 What fraudsters charge for access to a compromised business bank account with ACH and BillPay capabilities
  • $48 The cost of a “fullz” identity package — all the PII needed to execute an account takeover
  • Hundreds of millions ACTIR’s estimate of annual damages to the banking industry from these attacks

What’s Inside

  • How reverse-proxy phishing intercepts MFA tokens in real time
  • The PhAAS ecosystem lowering the barrier to banking fraud
  • AI-powered KYC bypass and deepfake liveness spoofing
  • Full pricing breakdown of dark web cybercrime tools
  • Recommendations for CISOs on intelligence-driven defense

 

banking-industry-fraud-dossier-cover-image
Download PDF

FAQs

  • Phishing-as-a-service refers to ready-made cybercrime toolkits sold on underground marketplaces that allow bad actors to launch sophisticated phishing attacks with minimal technical knowledge. These kits often include phishing templates, URL masking tools and in some cases professional support and customization — dramatically lowering the barrier to banking fraud.

  • Cybercriminals are using AI tools to create fake identity documents and generate deepfake videos capable of spoofing KYC liveness checks — the verification step designed to confirm a real person is present. With access to a single identity document such as a driver’s license, bad actors can mimic a consumer’s face using 3D scanning and AI generation to pass verification undetected.

  • ACTIR (Arkose Cyber Threat Intelligence Research) is a dedicated counterintelligence team embedded within Arkose Labs. Composed of experts in cyber threat analysis, digital forensics and cybersecurity operations, ACTIR monitors underground marketplaces, identifies emerging attack patterns and provides actionable intelligence to protect enterprises from fraud. ACTIR previously partnered with Microsoft DCU and law enforcement to disrupt Vietnamese threat actor group Storm-1152.